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Lending

Lending protocols form the backbone of the decentralized money market, allowing users to lend or borrow digital assets without intermediaries. Using smart contracts, platforms like Aave and Morpho automate interest rates based on supply and demand while requiring over-collateralization for security. The 2026 lending landscape features advanced permissionless vaults and institutional-grade credit lines. This tag covers the evolution of capital efficiency, liquidations, and the integration of diverse collateral types, including LSTs and tokenized RWAs.

15682 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Top 3 Best Cryptos to Buy Before December 2025

Top 3 Best Cryptos to Buy Before December 2025

As the market prepares to make its last dash into December 2025, market participants are busy weeding out all noise and focusing their efforts towards isolating those cryptos with buying potential prior to the next big move.

Author: Cryptodaily

2025/11/24

$4.1M Move Signals Bullish Confidence

$4.1M Move Signals Bullish Confidence

The post $4.1M Move Signals Bullish Confidence appeared on BitcoinEthereumNews.com. In a significant move that’s catching the attention of crypto enthusiasts, market maker Wintermute has executed a substantial Wintermute AAVE withdrawal from Kraken exchange. The transaction involved 24,124 AAVE tokens valued at approximately $4.1 million, according to blockchain analytics platform The Data Nerd. This strategic move raises important questions about institutional sentiment toward the popular DeFi token. What Does This Wintermute AAVE Withdrawal Really Mean? The recent Wintermute AAVE withdrawal represents more than just a routine transaction. When major market makers move assets off exchanges, it typically indicates a shift toward long-term holding strategies. Wintermute, as one of the largest crypto market makers, often influences market sentiment through such moves. Their decision to withdraw AAVE from Kraken suggests confidence in the token’s future performance. Market analysts interpret exchange withdrawals as bullish signals because they reduce immediate selling pressure. When tokens remain on exchanges, they’re readily available for quick sales. However, moving them to private wallets often means the holder plans to keep them for extended periods. Why Should Crypto Investors Care About This Move? The timing and scale of this Wintermute AAVE withdrawal provide valuable insights for market participants. Here are key reasons why this transaction matters: Institutional Confidence: Large withdrawals often precede price appreciation Reduced Selling Pressure: Fewer tokens available on exchanges means less immediate liquidation risk Market Sentiment Indicator: Professional traders’ moves often signal broader market trends DeFi Ecosystem Strength: AAVE’s continued institutional interest validates the DeFi sector This substantial Wintermute AAVE withdrawal occurred about 10 hours before publication, according to blockchain data. The speed and efficiency of such large transactions demonstrate the maturity of cryptocurrency infrastructure. How Does This Impact AAVE’s Market Position? The Wintermute AAVE withdrawal comes at a crucial time for the DeFi ecosystem. AAVE remains one of the leading lending protocols in decentralized finance,…

Author: BitcoinEthereumNews

2025/11/24

A quick overview of representative projects in the Monad DeFi ecosystem on the first day of mainnet launch.

A quick overview of representative projects in the Monad DeFi ecosystem on the first day of mainnet launch.

Author: Monad Eco Compiled by: Tim, PANews On the first day of the Monad public chain mainnet launch, this article will help you quickly grasp representative projects in its DeFi ecosystem, such as the lending market, yield products, and liquidity staking. Built specifically for the influx of millions of users into DeFi, Monad is capable of supporting massive daily transaction volumes for large financial applications. With a processing capacity of 10,000 transactions per second, a block generation speed of 400 milliseconds, and high finality, Monad aims to eliminate common problems in DeFi, such as transaction failures, high slippage, oracle data latency, and exorbitant gas fees. DeFi applications running on Monad will operate at speeds comparable to centralized exchanges, while maintaining fully on-chain operations based on a decentralized network. Lending Protocols: Asset Lending and Borrowing in the DeFi Ecosystem DeFi lending transforms existing assets into usable liquidity. On Monad, it becomes a crucial way to amplify risk exposure: users can borrow stablecoins by staking the liquidity staking token LST, earning higher returns through cyclical holding, or employing various staking strategies depending on their level of participation. Lending protocols within the Monad ecosystem offer differentiated product solutions for different user groups. Curvance Curvance allows users to convert interest-bearing assets such as MON, LSTs, and stablecoins into leveraged positions in a single transaction. The product interface eliminates traditional cyclical operation steps: there is no need to repeatedly perform deposit, borrowing, or resupply operations. Curvance's core strength lies in its high capital efficiency, offering market-leading loan-to-value ratios and supporting a variety of collateral types: liquidity-backed tokens, interest-bearing stablecoins, yield derivatives, and vault tokens. The Curvance roadmap also includes support for more alternative assets. The Curvance protocol employs a scalable clearing mechanism: it improves efficiency through bulk clearing, uses auction-style settlement to increase fund recovery rates, and launches a points program to incentivize both depositors and borrowers. TownSquare TownSquare employs a more modular approach, suitable for users who prefer proactive position management: enabling risk isolation, mixed collateral use, and customization of each loan. Users can open multiple independent lending positions within a single account, each with its own proprietary collateral portfolio and loan targets. you can: Borrow stablecoins using liquidity-collateralized tokens as collateral. Borrow MON using stablecoins Use a mix of liquidity-staking tokens and stablecoins to achieve diversified portfolio allocation All of the above operations can be managed through a single wallet, eliminating the need to switch between different user interfaces. TownSquare employs a unified liquidity pool model, where lenders share the same pool, while borrowers can construct personalized positions. For correlated assets (such as MON and MON-LST), TownSquare also offers an "efficiency mode," allowing traders seeking to increase their directional exposure to obtain a higher loan-to-value ratio. TownSquare plans to support a variety of Monad liquidity staking tokens and more mature assets, and will also integrate with WLFI's USD1 stablecoin and issue sUSD1 interest-bearing tokens, which are designed to be directly integrated into a revolving strategy. Other lending protocols that will be launched on Monad: Morpho Euler Gearbox Neverland Money Income Products: Exploring Income Opportunities In addition to lending services, the Monad ecosystem offers yield-generating products that allow users to easily capture ecosystem opportunities. These products encapsulate investment strategies, active management features, and liquidity into holdable assets that users can trade or use within the DeFi ecosystem. This makes yield generation feasible and composable from day one. This section focuses on two yield-generating vaults that will be launched at the Monad mainnet launch. MON Vault: Actively Managed Asset Allocation Built by Mellow and operated by Steakhouse, MON Vault offers an active management strategy for users who want to earn rewards but don't want to manually manage them. You don't need to deposit into separate liquidity pools or strategies; simply deposit MON tokens, and the MON Vault will automatically allocate funds to the optimal options, including liquidity staking tokens, lending markets, or ecosystem incentive programs. MON Vault primarily focuses on: Actively allocate various MON profit opportunities Dynamically adjust strategies with the launch of liquidity platforms and LSTs. Efficient routing to various staking strategies Ultimately, a low-intervention MON yield strategy was developed, which accurately captures yield opportunities with controllable risk while maintaining liquidity, composability, and portability across the Monad ecosystem. earnAUSD Vault: A yield-enhancing solution for highly liquid stablecoins. The earnAUSD vault, jointly created by Agora and Upshift, provides Monad ecosystem users with a one-stop stablecoin yield solution. Users simply deposit Agora's USD stablecoin AUSD to receive freely tradable interest-bearing token earnAUSD, without needing to manage their own investment strategies. The earnAUSD vault will distribute AUSD assets across multiple yield channels within the Monad ecosystem. As the ecosystem develops, future strategies are expected to incorporate more diversified value-added opportunities such as basis trading and structured yield strategies. earnAUSD is designed based on three core functionalities: Optimized allocation: Automatically allocate funds to markets that offer risk-adjusted returns. Deep composability: Supports cross-lending protocols, DEXs, and perpetual contract exchanges. Liquidity-first design: earnAUSD can still be used as collateral, traded in liquidity pools, and supported by the entire ecosystem. In addition, earnAUSD vault integrates the native incentive layers of Agora and Upshift, creating a unified yield product for stablecoin users entering the Monad ecosystem. MON Pledge and Liquidity Pledge In addition to lending protocols and yield products, the Monad DeFi ecosystem also includes MON staking and liquidity staking services. By staking MON, users can earn staking rewards for maintaining network security. Users can stake directly with validators through Gmonads or the MonadVision staking panel. Liquidity staking is an alternative to traditional staking, allowing users to earn corresponding liquidity staking tokens (LST) by staking assets. LST tokens can be used in combination within the DeFi ecosystem, enabling stakers to earn staking rewards while simultaneously participating in other DeFi activities. By maintaining the liquidity of LST tokens, users can realize various application scenarios across the entire DeFi ecosystem, including asset trading, lending, and liquidity provision. There are currently several protocols providing LST in the Monad ecosystem: Fastlane → shMON Kintsu → sMON Magma → gMON These LST tokens, through their extensive integration within the ecosystem, enable MON stakers to earn additional rewards beyond the base staking rewards. In addition to the protocols mentioned above, the Monad mainnet launch will also feature a wide range of DeFi protocols across various categories. The Monad mainnet launch is just the beginning: these foundational protocols will enable users to start experiencing, optimizing, and deploying, thereby fully unleashing the potential of a full-chain, high-performance DeFi environment.

Author: PANews

2025/11/24

Mutuum Finance Gains Serious Momentum, Set to Knock Cardano (ADA) Out of the Top 10

Mutuum Finance Gains Serious Momentum, Set to Knock Cardano (ADA) Out of the Top 10

The post Mutuum Finance Gains Serious Momentum, Set to Knock Cardano (ADA) Out of the Top 10 appeared on BitcoinEthereumNews.com. Crypto Presales In a market crowded with established altcoins, Mutuum Finance (MUTM) is gaining serious momentum and quickly emerging as the best crypto to invest in this year. While Cardano (ADA) continues to occupy a spot in the top tier of the market, its price action shows weakening momentum and limited short-term catalysts, leaving room for fresh entrants to capture investor attention. MUTM, currently priced at $0.035 and deep into Phase 6 of its presale with over 95% sold out, has attracted more than 18,120 investors and raised over $18.85 million, signaling strong early adoption. Backed by a decentralized lending-and-borrowing protocol, interest-bearing tokens, and a rapidly expanding community, Mutuum Finance is positioning itself as one of the most promising top cryptocurrencies capable of challenging the established hierarchy and potentially surpassing long-standing altcoins like Cardano. Cardano Struggles at Key Resistance Amid Bearish Pressure Cardano (ADA) is currently testing a critical resistance level at $0.42718 on the 30-minute chart, but the token continues to display a bearish structure with a series of lower highs and lower lows. Analysts note that rejection at this level could drive ADA back toward support under $0.40, while a decisive break above $0.42 would be required to flip this zone into support and target the next resistance near $0.47. With short-term momentum constrained and price action remaining uncertain, investors are increasingly seeking alternative projects with stronger early-stage traction and clearer catalysts, paving the way for attention towards Mutuum Finance as the best crypto to invest in for early-stage growth. MUTM Presale Builds Momentum Ahead of Phase 7 Mutuum Finance (MUTM) continues to capture significant attention in the DeFi crypto market as Phase 6 of its presale nears completion. The token is currently priced at $0.035, marking a 250% increase from its Phase 1 launch price of $0.01.…

Author: BitcoinEthereumNews

2025/11/24

South Korea’s FIU to target more crypto exchanges with sanctions after Upbit fine

South Korea’s FIU to target more crypto exchanges with sanctions after Upbit fine

South Korea’s Financial Intelligence Unit is preparing to hit several local crypto exchanges with penalties after finding lapses in their anti‑money laundering controls. Sources familiar with the development have told local media that the financial crime agency wants to intensify…

Author: Crypto.news

2025/11/24

DAT Valuations Clarified as Matt Hougan Outlines Discount and Premium Factors

DAT Valuations Clarified as Matt Hougan Outlines Discount and Premium Factors

A new discussion around digital asset treasury companies has taken shape after Matt Hougan, the Chief Investment Officer at Bitwise, shared a detailed breakdown of how these firms should be valued. His explanation arrives at a time when investors are trying to understand whether DATs deserve to trade above, at, or below the value of […]

Author: Tronweekly

2025/11/24

Which Offers Better 2025 Returns?

Which Offers Better 2025 Returns?

The post Which Offers Better 2025 Returns? appeared on BitcoinEthereumNews.com. Crypto Presales Cardano’s late-2025 outlook remains uncertain as activity slows and whale selling accelerates. XRP Tundra enters its launch phase with institutional oversight and a revenue-backed return structure designed for 2026 and beyond. The 2025 cycle has entered its final phase, and sentiment surrounding major L1 networks is increasingly tied to measurable activity rather than long-range promises. Cardano sits at the center of this reassessment. Analysts tracking ADA note a mix of supportive indicators — such as the upcoming Midnight sidechain and new institutional interest — but these developments coincide with slowing DeFi growth, whale distribution and ongoing questions about adoption velocity. The network continues to rely on its strong community and uptime record, but execution gaps remain visible. XRP Tundra, by contrast, enters the end of 2025 with accelerating momentum. Following an institutional acquisition that moved its launch forward to December 15, the ecosystem is preparing to enter markets with audited infrastructure, revenue-defined staking and a dual-chain architecture tied directly to the XRPL’s expected expansion in 2026. As Cardano faces an uncertain recovery window, Tundra’s structural advantages are becoming clearer to analysts evaluating year-end allocation strategies. Tundra’s Dual-Chain Architecture Establishes a Foundation for Return Scaling Tundra’s design begins with a separation of governance and execution. TUNDRA-X, deployed on the XRP Ledger, manages reserves, policy decisions and treasury operations. TUNDRA-S, operating on Solana, handles high-throughput execution, staking mechanics and the operational flows responsible for generating revenue. This configuration allows the system to process volume efficiently while maintaining governance stability. It also positions the ecosystem to integrate with GlacierChain, the XRPL-connected L2 planned for 2026, which will unify liquidity, settlement and cross-chain routing. Coverage from Crypto Legends has highlighted how this alignment between architecture and future XRPL activity offers a durable path for ecosystem scaling. Analysts see this dual-chain model as…

Author: BitcoinEthereumNews

2025/11/24

Cardano Price Prediction vs XRP Tundra: Which Offers Better 2025 Returns?

Cardano Price Prediction vs XRP Tundra: Which Offers Better 2025 Returns?

The 2025 cycle has entered its final phase, and sentiment surrounding major L1 networks is increasingly tied to measurable activity […] The post Cardano Price Prediction vs XRP Tundra: Which Offers Better 2025 Returns? appeared first on Coindoo.

Author: Coindoo

2025/11/24

This New DeFi Crypto Is Almost Sold Out as Phase 6 Hits 90%, The Next 20x Token Under $0.05?

This New DeFi Crypto Is Almost Sold Out as Phase 6 Hits 90%, The Next 20x Token Under $0.05?

The phase 6 of the Mutuum Finance (MUTM) presale is almost being sold out, and the hurry is becoming increasingly noisier. The token is currently valued only at $0.035 and more than 90% of this phase is already utilised, so early investors are becoming inclined to ask the question: is it the next 20x DeFi […]

Author: Cryptopolitan

2025/11/24

British Business Bank Publishes Five-Year Strategic Plan to Deliver Step Change in Smaller Business Finance

British Business Bank Publishes Five-Year Strategic Plan to Deliver Step Change in Smaller Business Finance

The British Business Bank responds to an updated mandate from the UK Government by publishing a five-year strategic plan for smaller business finance The post British Business Bank Publishes Five-Year Strategic Plan to Deliver Step Change in Smaller Business Finance appeared first on FF News | Fintech Finance.

Author: ffnews

2025/11/24

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